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Understanding The New Washington State Long Term Care Act

The state of Washington passed a new law mandating the establishment of public long-term care for the locals. While Medicaid does not cover nursing home or assisted living costs, the Long Term Care Act was created in an effort by the state government to provide long term care for at least seven out of ten…

What to Expect When You Apply for Life Insurance

Applying for Life Insurance? We hope your livelihood is all well now, but the truth is a healthy livelihood isn’t guaranteed in the future. The burden of unexpected crises is part of life. You can get sick tomorrow, hurt next week, or pass on unexpectedly next year. Life insurance is something we use to put…

Permanent Life Insurance

Permanent Life Insurance Permanent life insurance is the name for any life insurance policy that is projected to last your entire lifetime, as long as the premiums are paid. Rationally speaking and from a cost-to-benefit comparison, permanent life insurance policies may be more rewarding than term life insurance policies. However, the premiums made for permanent…

Disability Insurance – Do You Need It?

Disability Insurance The ability to do your job and collect a paycheck is something that should be of the utmost importance to protect, disability insurance can do this for you. Whether you receive disability insurance from your employer or choose to buy a disability insurance policy individually in the private market, the policy will replace…

Life Insurance Underwriting

Life Insurance Underwriting Life insurance is a business, and like all businesses, they need to make smart decisions in the based on risk and reward. Every time a life insurance provider takes on a new policy, they are embracing the risk that the policyholder may die during the coverage. Rather than leave this chance up…